He has created a variety of resources to help investors understand and implement evidence-based investment strategies, including podcasts, online courses, and educational videos. Please note that past performance is not a guarantee of future returns. In the last decade, however, large cap growth stocks have been the leaders. We have hundreds of investment ideas in the compilation. And this is just talking about performance. Im curious as to why you use allocations that are so different than those for the 80/20 on the the Bogleheads site. A profit target is exactly what the name says: a pre-set price where the trader takes profits and exits the trade/position. Investment products discussed (ETFs, mutual funds, etc.) (2023), How To Build a 3 Fund Portfolio at Fidelity in 2023. It's well documented that small-cap and value stocks have outperformed over the long haul. The Paul Merriman 4 Fund Portfolio is a simple, equal-weighted equities portfolio that tilts toward small caps and Value stocks. Luckily, Vanguard's Total International Bond ETF (BNDX) satisfies those requirements. So even, if none of these particular portfolios appeals to you, there are some clear lessons to take away. Each holding is equally weighted. Specifically, international stocks outperformed the U.S. in the years 1986-1988, 1993, 1999, 2002-2007, 2012, and 2017. We also use third-party cookies that help us analyze and understand how you use this website. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. * Indicates there are admiral GNMA (VFIJX) and High Yield (VWEAX) shares with minimum of $50,000. are used, rather than Small-Cap Index (VSMAX), as VTMSX has much smaller average size companies and more deeply discounted value companies. By far the most popular, the 3-fund portfolio is all that a future millionaire needs. Ive been following this portfolio with Fidelity funds for couple of years now, but want to do some tilts without adopting a whole new portfolio. He stresses that this may not be the right portfolio for you, but many take it as a starting point for a well-balanced portfolio. Many traders use various forms of stops in their trading. What Are The Worst Trading Days Of The Year For Stocks? 4 VIX trading strategies What Is The VIX Index And How Does It Work? Paul Merriman Four Fund Portfolio. Lump Sum Investing (DCA vs. LSI), How To Invest Your HSA (Health Savings Account), Factor Investing and Factor ETFs The Ultimate Guide, Paul Merriman Ultimate Buy and Hold Portfolio. Many traders, Read More Profit Target: Should You Use It In Your Trading Strategy?Continue, Last Updated on April 18, 2023 There are plenty of seasonalities in the markets that you can develop into seasonal trading strategies. Its just a great option if you want to make sure youre getting the best there is out there! Disclaimer: While I love diving into investing-related data and playing around with backtests, this is not financial advice, investing advice, or tax advice. Over longer periods of time, say the past 5 decades, the strategy has performed extremely well. I always attempt to ensure the accuracy of information presented but that accuracy cannot be guaranteed. It has smoked the S&P 500 historically, which again we would expect over the long term, even on a risk-adjusted basis despite its greater volatility. As Proposed by Bill Schultheis, author and investment adviser. What is Paul Merrimans 4 Fund Portfolio? Chris came through, creating what we call the Worldwide Four-Fund portfolio. All of his podcasts, articles, and many other greats resources are without any profit motive. : 12 Simple Ways to Supercharge Your Retirement, Check out my flat-fee-only fiduciary friends over at Advisor.com, Portfolio Asset Allocation by Age Beginners To Retirees, How To Buy Zoom Stock With $100 How To Invest in Zoom, Bogleheads 2 Fund Portfolio for Purists & Minimalists (2023). By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. The information on this website is for informational, educational, and entertainment purposes only. Do, Read More Larry Connors RSI 25 & RSI 75 (It Still Works) | Trading StrategiesContinue, Last Updated on April 18, 2023 How To Find and Generate Trading Ideas. Disclosure: Some of the links on this page are referral links. Merriman's original philosophy was known in investing circles as the "Ultimate Buy and Hold" portfolio. Paul founded Merriman, a fee-only investment advisory firm in 1983. Profit Target: Should You Use It In Your Trading Strategy? Jack Bogle Was Wrong About These 3 Things, I Bonds Explained (US Savings Bonds) Ultimate Guide (2023), Sharpe Ratio vs. Sortino vs. Calmar Risk Adjusted Return, Portfolio Risk Explained How To Think About Risk and Volatility. EDV would be for a time horizon of 25+ years. We think we have found it but we still continue looking! Click here for more information. It is mandatory to procure user consent prior to running these cookies on your website. 10% Large Cap Blend. Paul Merrimans podcast Sound Investing. Ive written previously about how theIvy League universities invest. Remember that his portfolios are very diversified into many asset classes, or they are very concentrated into a few of the best historically performing asset classes. Can you share an idea based on your analysis about what foreign equity EFT(s), and what allocation, might compliment the Merriman 4 Fund Portfolio? Note again though that this is a high-risk portfolio that is likely better suited for investors with a high risk tolerance and a long time horizon. No single country consistently outperforms all the others in the world. Your email address will not be published. Here well take a look at its components, performance, and the best ETFs to use in its implementation. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. For concentrated portfolios, the best alternatives are from the FPL Capital Management Portfolios. Bogleheads 3 Fund Portfolio What are some alternatives to Paul Merrimans portfolios? Tax center. Expense ratio: This shows the cost of holding the portfolio if you were to construct the portfolio using the proposed ETFs. He is regularly published on MarketWatch.com, and offers free podcasts, articles, newsletters, and more on his website PaulMerriman.com. The Bogleheads 4 Fund Portfolio is simply the Bogleheads 3 Fund Portfolio with the addition of international bonds. Lump Sum Investing (DCA vs. LSI), How To Invest Your HSA (Health Savings Account), Factor Investing and Factor ETFs The Ultimate Guide, Paul Merriman Ultimate Buy and Hold Portfolio. We also use third-party cookies that help us analyze and understand how you use this website. One of them is the profit target. Check out my flat-fee-only fiduciary friends over at Advisor.com. When it does, Paul Merriman's portfolio could easily outperform the Warren Buffett portfolio over a period of time. The research is sound and the concept is simple. It is mandatory to procure user consent prior to running these cookies on your website. You can also subscribe without commenting. The inclusion of international bonds in diversified portfolios and target date funds is a fairly recent occurrence. 10 Swing Trading Strategies Backtested (With Rules, Video And Tips). Merriman has suggested this 100% equity portfolio to take advantage of both the size and value premiums. Any strategy will sometimes underperform, and we believe this is to be expected from time to time. (Backtest), 3 Free Mean Reversion Trading Strategies (Backtested Buy And Sell Signals), Forex Trading For Beginners Strategy (Backtest). The current year is excluded from calculations. Investors can implement the 3 fund portfolio with index mutual funds or ETFs from a variety of fund providers. See the full list here. What is unique about Paul Merrimans portfolios? It consists of just two asset classes: an S&P 500 index fund and a short-term U.S. government bond fund. Disclaimer: While I love diving into investing-related data and playing around with backtests, this is not financial advice, investing advice, or tax advice. We do not endorse Vanguard or receive any compensation from them. Opinions are my own and do not represent those of other parties mentioned. This portfolio follows the instructions that the great investor Warren Buffett has apparently set out in his will for his wifes trust. Don't subscribeAllReplies to my comments Notify me of followup comments via e-mail. The Bogleheads 4 Fund Portfolio, as the name suggests, is comprised of 4 funds capturing U.S. stocks, U.S. bonds, international stocks, and international bonds. Using Merriman's best-in-class ETFs, we can construct the Paul Merriman 4 Fund Portfolio like this: You can add the Paul Merriman 4 Fund Portfolio pie to your portfolio on M1 Finance by clickingthis linkand then clicking Save to my account.. Table 2: Three choices of bonds vs. U.S. Four-Fund Combo, 1970-2022 These cookies will be stored in your browser only with your consent. You can find the rebalance worksheet in our article Here Is The Most Easy To Use Portfolio Rebalance Tool. Great question, Keith. Paul Merrimans Ultimate Portfolio: 10 X 10 = Winner? Disclosure:I am long VOO and AVUV in my own portfolio. They are all mean revertive and tested on the most popular ETFs at the time of writing, which was the end of 2008, in the middle of the GFC. Until recently, costs of international bond fund products were prohibitive for retail investors, and international assets of all kinds were viewed with skepticism until about the 1990's. One of them is Paul Merriman 4 Fund Portfolio. But opting out of some of these cookies may affect your browsing experience. This website uses cookies to improve your experience. All information on this site is provided free of charge (with the exception of books for sale) and is funded in full by The Merriman Financial Education Foundation.Anyone wishing to use this educational information in web-based or printed materials are welcome to do so with the following attribution and link: This information freely provided courtesy ofPaulMerriman.com. We would also appreciate a copy and link of where it has been published via email. The cost of second-guessing my written trading strategies shows why you need a trading plan. (And total gains from all the "winning". 10 Year return: This shows the compounded annualized growth rate over a ten-year period. Where can I learn more about Paul Merriman? An example is Paul Merrimans enduring Ultimate Portfolio. The strategies are taken from our landing page of investment strategies. There is a reason why Paul Merriman suggested the exact portfolio composition as he did. It is not a recommendation to buy, sell, or otherwise transact in any of the products mentioned. Id say in between 1 and 5 years. How It Works & How to Invest in It, How To Invest in an Index Fund The Best Index Funds, Portfolio Diversification How To Diversify Your Portfolio, Dollar Cost Averaging vs. The Paul Merriman 4 Fund Portfolio looks like this: 25% S&P 50025% Large Cap Value25% Small Cap Blend25% Small Cap Value. I like GOVT over BND. One of Merrimans key contributions to the world of investing is his development of a number of low-cost, passive investment portfolios designed to provide investors with broad diversification and low fees. The exposure to bonds varies, Buffetts willing to go as low as 10%, and Harry Browne is higher at 40%. It consists of: I appreciate any feedback as we evaluate this portfolio. If you want access to our high-performing portfolios then you want to take a look at the premium portfolios. Following some of your thoughts regarding the superiority of government bonds to corporate youve written about elsewhere, and a preference for long term at that what would you think of replacing BND with GOVT, or EDV, or SPIP, or LTPZ? He retired from Merriman in 2011 and started The Merriman Financial Education Foundation, which is dedicated to providing. Beginners Start Here 10 Steps To Start Building Wealth, What Is the Stock Market? The blue circle shows the return of the 4-fund combo . This is the portfolio that Paul Merriman features on MarketWatch. These investment products hold hundreds to thousands of stocks, bonds, and more. Paul Merrimans Ultimate Portfolio can be built with 10 ETFs. This is a paid product that gives you the 20 best-performing portfolios since 1989. Sometime described as a fail-safe or bullet proof portfolio. This website uses cookies to improve your experience while you navigate through the website. Read my lengthier disclaimer here. I'm just starting out and thus far have just been dumping my money into VTSAX and VIGAX. This portfolio may not reflect the current view of the author. Do your own due diligence. This website uses cookies to improve your experience. Continue with Recommended Cookies, Last Updated: March 12, 2023 5 Comments 3 min. TIPS are likely only needed at or near retirement. No more than 5. Paul Merriman is retired (he used to run his own investment consulting shop). Return Stacking Explained Greater Returns With Lower Risk? -1.58%. Long-term investors who can manage a 10-fund equity portfolio, as I described last week, have what I consider the absolute best shot at attractive returns no matter what happens in . Opinions expressed by Forbes Contributors are their own. Finally, the Warren Buffett Portfolio embodies Steve Jobs philosophy that simplicity is the ultimate sophistication. Paul Merriman 4 Fund Portfolio Asset Allocation, Paul Merriman 4 Fund Portfolio ETF selection, Paul Merriman 4 Fund Portfolio historical performance, Paul Merriman 4 Fund Portfolio ETF backtest and performance, Compounding The Magic Of A Long-Term Mindset And Delayed Gratification, How I Created A Trend Following Trading Strategy Using Python (Backtest And Code), How To Trade The End Of Month Bias In Stocks. Emerging Markets and international small cap stocks have crushed the U.S. market historically, for example, as they're considered riskier, and investors are compensated for that greater risk. International stocks don't move in perfect lockstep with U.S. stocks, offering a diversification benefit. In this regard, merely investing in the S&P in the long run will always give superior results. Simplified Version of A University Portfolio For, on page 20 of his 2013 letter to Berkshire Hathaway Shareholders, value of having some bonds in your portfolio, 90% low cost S&P 500 tracker (here Buffett specifically suggests Vanguard asa. Going back to 1928, the S&P 500 index (U.S. large cap blend) has had a compound annualized return of 10.2% through 2022. What Is a Leveraged ETF and How Do They Work? To view the purposes they believe they have legitimate interest for, or to object to this data processing use the vendor list link below. If you are looking for target-date funds, be sure to check out our growing Target Date Fund Portfolio overview. How to construct a comeback portfolio, Ultimate Buy and Hold 4 Fund Combo Tables 2020, Quilt ChartsFixed Income Returns (1928-2020). Prefer video? M1 Financeis a great choice of broker to implement the Paul Merriman 4 Fund Portfolio because it makes regular rebalancing seamless and easy, has zero transaction fees, and incorporates dynamic rebalancing for new deposits. Merriman founded an investment advisory firm in Seattle in 1983, from which he has since retired. RSSB ETF Review Return Stacked Global Stocks & Bonds ETF, Fees, Trees, & Forests Stop Obsessing Over Expense Ratios, Optimized Portfolio Best in Class ETFs List for 2023, 7 Best Covered Call ETFs for Income Investors in 2023, Roth IRA vs. Here well investigate its components, historical performance, and the best ETFs to use in its implementation. Vanguard has a useful tool here to help you choose. The Paul Merriman 4 Fund Portfolio, as the name suggests, is a lazy portfolio designed by Paul Merriman that utilizes equal weightings of 4 assets. This is known as the Size factor premium. In other reviews you have published I have seen where you make adjustments to the creators portfolios which you contend might increase reward and possibly reduce risk; doing both at the same time. Content on this website should not be used when making investment decisions. Also offers services including brokerage, retirement investing, advice and college savings. He stresses that this may not be the right portfolio for you, but many take it as a starting point for a well-balanced portfolio. Even better, small-cap value stocks have proven better than large-cap value. The strategy of investing in multiple asset classes and among many securities in an attempt to lower overall investment risk. One of the most-capitalized fund companies, specialized in mutual and exchange-traded index funds. This is the magic of compounding. The portfolio has returned 12.4% annually compared to 10.7% for the S&P 500. UpMyInterest expressly disclaims any liability for the accuracy and completeness of information contained in this website. Search the website Podcast Fixed distributions 2023 MarketWatch Article -coming soon Tables Table D1.3 Fixed Distributions: S&P Equity Portfolio-initial distribution $30,000 Table D1.4 Fixed Distributions: The same but initial distribution $40,000 Table D1.5 Fixed Distributions: The same but initial distribution $50,000 Table D1.6 Fixed Distributions: The same but initial distribution $60,000 . In addition to his work with clients, he has authored several books on investing, including Financial Fitness Forever and Live It Up Without Outliving Your Money!. Save my name, email, and website in this browser for the next time I comment. Well each of them advocate owning both stocks and bonds. He strongly advocates index investing and believes most investors are better off with a simple, diversified portfolio of low-cost index funds. Portfolio Einstein has benchmarked over 600 investment portfolios to find the best portfolio in the world. Thats the simple reasoning behind the portfolio. This one is from 2010. The information on this website is for informational, educational, and entertainment purposes only. The potential drawbacks of this portfolio is that is is exclusively invested in the U.S. when many believe international diversification is helpful and its high exposure to stocks could cause major swings in performance. Required fields are marked *. Ray Dalio All Weather Portfolio. Paul Merriman is an evidence-based investor and favors statistics over feelings. Therefore, if you want similar diversification, then have a look at the IFA portfolios or some of David Booths portfolios. Cookie Notice VXUS vs. IXUS Vanguard or iShares International ETF? Paul's Mutual Fund Recommendations For Vanguard Updated January 4, 2021 Vanguard Tax Deferred Portfolios * The Tax-managed Small-Cap Admiral Shares (VTMSX) are used, rather than Small-Cap Index (VSMAX), as VTMSX has much smaller average size companies and more deeply discounted value companies. Anyone wishing to use this educational information in web-based or printed materials are welcome to do so with the following attribution and link: This information freely provided courtesy of. I don't employ or advise market timing, butAQR maintainsthat Value is basically the cheapest it's ever been right now relative to history, suggesting that now may actually be theworsttime to give up on the factor, and that it's due for a comeback. Paul Merriman Four Fund Portfolio Link to his website article: https://paulmerriman.com/market-got-you-down-how-to-construct-a-comeback-portfolio/ Jack Bogle Was Wrong About These 3 Things, I Bonds Explained (US Savings Bonds) Ultimate Guide (2023), Sharpe Ratio vs. Sortino vs. Calmar Risk Adjusted Return, Portfolio Risk Explained How To Think About Risk and Volatility. Past performance does not guarantee future results. The Paul Merriman Ultimate Buy and Hold Strategy Portfolio is a Very High Risk portfolio and can be implemented with 10 ETFs. I delved into those ideas here and here. Read more here. How $10,000 will help my newborn granddaughter have a better retirement, Help your teenager turn $500 into nearly $2 million, How to buy 10 years of retirement for $3,650, The Merriman Financial Education Foundation, Vanguard Tax-Managed Small-Cap Admiral Shares *, Vanguard Small-Cap Value Index Admiral Share, Vanguard Developed Markets Index Admiral Shares, Vanguard FTSE All-World ex-US Small Cap Index Admiral, Vanguard Emerging Mkts Stock Index Admiral Shares, Vanguard Global Ex-US Real Estate Index Admiral Shares, Short-Term Government Bond Index Admiral Shares, Intermediate-Term Government Bond Index Admiral Shares, Short-Term Inflation-Protected Securities Index Admiral Shares, * The Tax-managed Small-Cap Admiral Shares (VTMSX. They suggest that it is now even less prudent to assume a preconceived bet that any single country will be the clear winner in terms of stock market returns. UpMyInterest 2018-2020 Medium Risk Portfolio Check out my flat-fee-only fiduciary friends over at Advisor.com. Trading requires, Read More How To Find and Generate Trading Ideas (What Are Trading Ideas? Yield: This is the expected dividend yield of the portfolio. Last Updated: March 5, 2023 13 Comments 5 min. Merriman founded his own investment advisory firm, Merriman Wealth Management, in 1983, where he worked with clients to develop customized investment strategies based on their individual goals and risk tolerances. He believe this portfolio will be superior to those attained by most investors whether pension funds, institutions or individuals.. Ive often been annoyed with the the top heavy exposure in total market funds, but dont want to move to a 8+ fund portfolio either. The Overnight Edge Is It Still Working? His book Financial Fitness Forever: 5 Steps to More Money, Less Risk, and More Peace of Mind is fantastic and stuffed with sage advice, statics, and evidence-based best-investing practices. Thanks! Maintaining your portfolio is also daunting. Disclosure: Some of the links on this page are referral links. There are dozens of Lazy Portfolios. Rebalancing lowers your portfolio risk and may increase your returns. His ultimate portfolio is a beautiful example of how diversification can bring higher returns without higher risk. All Weather Portfolio vs. Since it is effectively a 90/60 in a single fund, it seems to me that I could match the contribution of BND with NTSX at 25%, then decrease VTI to make it fit. Privacy Policy. CAGR for S&P 500: 10.00 %; Merrimans 4 fund portfolio: 9.28. Vanguard published another paper in 2018, proposing that various local market risk factors (such as interest rates, inflation, and yield curves) have resulted in relatively low correlations of government bond yields across markets over the past 50 years, suggesting a diversification benefit to increasing the number of global markets in a fixed income allocation. While the research is comprehensive, the tiny diversification benefit they illustrate is negligible in my opinion. Using entirely low-cost Vanguard funds, we can construct an 80/20 allocation of the Bogleheads 4 Fund Portfolio pie like this: VTI - 60% VXUS - 20% BND - 15% BNDX - 5% You can add the this pie to your portfolio on M1 Finance by clicking this link and then clicking "Save to my account." How often should we adjust bonds to match our age -20? You can find them here. Ben Felix Portfolio The performance data covers January 2010 to May 2021, an important limitation well return to in a minute. I am a big fan of Paul Merriman and the great work he is doing. This and the two portfolios below are part of his best-in-class portfolios. The consent submitted will only be used for data processing originating from this website. The portfolios represent a great opportunity for you to get more money from your investment portfolios. His ultimate portfolio is a beautiful example of how diversification can bring higher returns without higher risk. document.getElementById("ak_js_1").setAttribute("value",(new Date()).getTime()); Sign up to receive email updates when a new post is published. For the sake of brevity in this post, I won't be repeating it here. You can also view how different allocations have performed historically. But all fundamentally recognize the value of having some bonds in your portfolio. Paul Merriman is an evidence-based investor and favors statistics over feelings. Your email address will not be published. Large cap Value stocks have beaten large cap Growth stocks historically, so the 2nd building block is to tilt large-cap Value with 25%. How To Beat the Market Using Leverage and Index Investing, 8 Reasons Why Im Not a Dividend Income Investor, M1 Borrow Review (How M1s Margin Loan Works), The 10 Best ETFs for Retirement Portfolios in 2023, The 4% Rule for Retirement Withdrawal Rate A Revisitation, Sequence of Return Risk in Retirement Explained. This high-performing portfolio is part of Portfolio Einstein, Premium Portfolios. For those that want to approach the problem of financial independence from a minimalist, stoic, frugal, or anti-consumerist trajectory. Deductions are permissible to the extent of the law. Sometimes youre not sure where to start with investing. It consists of: 25% SP 500 fund (VFIAX) 25% Large-cap value (VVIAX) 25% Small-cap blend (VTMSX) 25% Small-cap value (VSIAX) I appreciate any feedback as we evaluate this portfolio. OptimizedPortfolio.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. Paul Merriman Ultimate Buy and Hold Strategy. This allows me to continue producing high-quality, ad-free content on this site and pays for the occasional cup of coffee. You also speak to the benefits of having a foreign component(s) as part of an effort to reduce the correlation which exists in a 100 percent domestic portfolio. Maybe decide on a target asset allocation and then choose funds to fit that. When it does, Paul Merrimans portfolio could easily outperform the Warren Buffett portfolio over a period of time. This is again known as the Value factor premium. I wanted to repost it and see if I can get any knowledgeable opinions to it. Heres a snapshot of each portfolios performance: Keep in mind that the last decade has seen large growth companies outperform other parts of the market. They also work if you are 50 years from retirement or already enjoying your golden years. read. I have first-hand experience with every product or service I recommend, and I recommend them because I genuinely believe they are useful, not because of the commission I get if you decide to purchase through my links. We got the following equity curve: The annual return was 10.6%, and the max drawdown was 39%. For them, we created the U.S. Four-Fund combo. VOO vs. VTI Vanguard S&P 500 or Total Stock Market ETF? With a dozen different holdings and lots of rebalancing, though, people didn't really stick to itit was too much for an individual investor to casually manage. are for illustrative purposes only. This high-performing portfolio is part of Portfolio Einstein Premium Portfolios. 800-997-2798 Contact us. Maybe you just went with what was already in the M1 Pie? What is the asset allocation of Paul Merrimans portfolios? This is below the CAGR of S&P 500 during this period, and thus the Merriman 4 fund portfolio has underperformed. Core 4 80/20 Portfolio The other thing which occurs in a few of the portfolios, but not all, is using either commodities or real estate/REITs to deal with the problem of stocks and bonds potentially falling together, such as at times of high inflation. Value stocks beat Growth stocks and small stocks beat large stocks in 2021 and 2022, so that comeback may be happening. They have experienced long periods of underperformance, however. During the period 1970 to 2008, an equity portfolio of 80% U.S. stocks and 20% international stocks had higher generalandrisk-adjusted returns than a 100% U.S. stock portfolio. The work he is doing now is strictly non-profit. UpMyInterest 2019-2021 High Tech Portfolio The 20 portfolios are the best among the literally hundreds of other portfolios we have benchmarked since we started. Unfortunately the Size and Value factors suffered for the decade 2010-2020, lagging the market. Here we run through some of the most robust options. The blue circle shows the return of the 4-fund combo, and its been 1.7% higher than S&P 500. Merriman has also been a frequent speaker at financial conferences and events and contributed to many financial publications and websites. Do your own due diligence. We and our partners use data for Personalised ads and content, ad and content measurement, audience insights and product development. You can read more about him on his website here. VOO vs. VOOV vs. VOOG Vanguard S&P 500, Value, or Growth? This makes him highly unbiased and trustworthy as he is not pushing any hidden agenda other than trying to help everyday investors. About - My Toolbox - Privacy - Terms - Contact. : 12 Simple Ways to Supercharge Your Retirement. The following table shows 53-year results of doing that. All investing involves risk, including the risk of losing the money you invest. Required fields are marked *. It was designed by Paul Merriman, a well-known financial educator and advisor, as a low-cost, diversified portfolio that individual investors can easily implement.
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